Advanced Loan Total Repayment Calculator

Calculator Inputs

Loan Amount

Annual Interest Rate (%)

Currency Label

Term Value

Term Unit

Start Date

Payment Frequency

Compounding Frequency

Origination Fee (%)

Fixed Origination Fee

Finance Origination Fees Into Loan?

Service Fee Per Payment

Insurance Per Payment

Extra Principal Per Payment

Balloon Payment

Example Data Table

Scenario	Loan Amount	Rate	Term	Payment Frequency	Extras	Balloon	Purpose
Standard amortizing	PKR 2,000,000	12%	5 years	Monthly	PKR 10,000	PKR 0	Faster payoff planning
Fee-heavy loan	PKR 1,200,000	14.5%	4 years	Monthly	PKR 0	PKR 0	Compare borrowing costs
Balloon structure	PKR 3,500,000	10.75%	7 years	Quarterly	PKR 0	PKR 500,000	Lower regular installments

Formula Used

1) Periodic rate conversion
i = (1 + r / c)^(c / p) - 1
Where r is the nominal annual rate, c is compounding periods per year, and p is payment periods per year.

2) Base installment with balloon support
PMT = i × ((PV × (1 + i)^n) - FV) / ((1 + i)^n - 1)
Here PV is financed principal, FV is balloon balance, and n is planned payment count.

3) Zero-rate case
PMT = (PV - FV) / n

4) Balance update each period
New Balance = Old Balance + Interest - Principal - Extra - Balloon

5) Total repayment outflow
Total Outflow = Sum of all payments + upfront fees
The calculator also separates interest, origination charges, service fees, and insurance costs.

How to Use This Calculator

Enter the loan amount, annual interest rate, and loan term.
Select whether the term is in months or years.
Choose payment frequency and compounding frequency carefully.
Add origination percentage, fixed fees, service charges, and insurance if applicable.
Choose whether origination charges are financed or paid upfront.
Enter any extra principal payment you plan to make regularly.
Add a balloon payment only if your contract leaves a final balance.
Submit the form to view total repayment, payoff timing, chart, and amortization preview.

FAQs

1) What does total repayment include?

It includes regular installments, extra principal, balloon payment, recurring service fees, insurance charges, and any upfront fees not financed into the balance.

2) How do extra payments affect the result?

Extra principal reduces outstanding balance faster. That usually lowers total interest and may shorten the number of payments needed to clear the loan.

3) Why does financed principal differ from loan amount?

Financed principal becomes higher when origination charges are rolled into the loan. You then pay interest on those financed fees as well.

4) What is a balloon payment?

A balloon payment is a large final amount due near the end. It lowers regular installments but leaves a remaining balance to settle later.

5) Why do compounding and payment frequencies matter?

Different compounding and payment schedules change the effective periodic rate. That shifts interest accumulation and the final repayment total.

6) Can this handle zero-interest loans?

Yes. When the rate is zero, the calculator switches to a straight-line repayment formula and still includes fees, insurance, extras, and balloon assumptions.

7) Is the amortization table complete?

The page shows a preview for readability. The CSV export contains the full payment-by-payment schedule generated from your current inputs.

8) Should I rely on this instead of lender documents?

Use it for planning and comparison. Always confirm exact obligations, penalties, insurance rules, and disclosure terms with your lender’s contract.